Taking Photos of Damage From Car Accident

Getting into a car accident is a stressful and traumatic event to have to go through. Unfortunately, the stress might not end after you’ve left the scene. Between the moment you get into a wreck, and the time you pick your car up from the body shop, there is a long, detailed process that can go many ways involving insurance, body shops, and potentially the police. Collision King Repair Center is a locally owned and operated in Lubbock, TX, for over 25 years. We’ve worked with a long list of insurance carriers, OEMs, and seen many different situations throughout those years. As a result, we’ve worked hard to make the process simpler for our customers. That being said, let’s go over the steps and details on how to handle the process of talking with insurance, police, and repairing your vehicle.

Car Accident Scene

The Crash Sight

The moments following a car crash are crucial in determining the speed and method by which your vehicle gets fixed. Following a car wreck, the second you get out of your vehicle (if it is safe to do so), it’s vital that you begin documenting every detail that you can. That can include taking photos and videos, as well as gathering names and statements from witnesses. Beyond that, if another car was involved, you need to ensure that you immediately get the other driver’s name, driver’s license number, license plate, and insurance number. It is essential that you do not admit fault for the crash. Not admitting to causing an accident helps ensure a proper investigation by insurance, or in some cases, the police. Even though it may be impolite towards another driver, it could save you thousands of dollars and possible liability. Answer any questions from the Police and insurance privately, directly, and honestly. Do not leave any room for misinterpretation, and don’t say anything without 100% certainty. Lastly, it is necessary to call your insurance company and report your crash, provide any case numbers and details from the police, and all the information you have gathered from the other driver.

Documenting Damage

Understanding Your Policy

Following your accident, it’s a good idea to give your insurance policy a look over to weigh out your potential options. If the damage to the vehicle(s) involved is relatively close to your insurance deductible amount, it may be worth paying for damages out of pocket rather than filing a claim, which could cause your rates to go up. However, if you choose to use your insurance to help cover your damages, it is important to understand what is being protected. Liability coverage is the most common type of policy and is required in nearly every state. Liability insurance will pay for the damage to another person’s vehicle if the policyholder causes the accident. Many drivers will also have collision coverage that protects their vehicle in an accident with another car or a stationary object. Collision coverage is recommended for those who may not have the funds to repair their vehicle after an accident. The last policy we’ll discuss is Personal Injury Protection which covers medical expenses for you and your passengers after an accident. Qualifying expenses can include traditional medical bills and costs not typically covered by health insurance. No matter what policy you have, it is essential that you understand what is and is not going to be paid for by insurance, and that sometimes it can be cheaper, in the long run, to pay for an accident yourself. A full-coverage policy typically also consists of rental vehicle coverage. This line item is very useful in the event your vehicle is undrivable and when your vehicle is in the repair shop. At Collision King, we do our very best to simplify the process for our customers. As a result, we have an Enterprise office located right inside our building!

Understanding Your Policy

The Days After

You should contact your insurance agency if you plan to get financial assistance from your policy. This will allow your insurance agent to start filing a claim and advising you on what to do. The sooner your insurance agent can start on your case, the sooner your car will be repaired and back to one hundred percent. Additionally, you might also ask them about time frame, policy options, or getting a rental vehicle if yours is undrivable. 

Receiving A Repair Estimate 

Oftentimes, your insurance may encourage you to utilize an adjuster that they prefer. However, you have the choice to take your vehicle to the certified and licensed collision repair center of your choice! At Collision King, we have established relationships with all major insurance providers and are able to work seamlessly with them.

It is our sincere hope that you can avoid any accidents, big or small, but if you find yourself in an unfortunate situation, our team is available to serve you and answer any questions you may have!

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